Transparency is a phrase that is worn out. It can mean anything. I have always wanted transparency in what goes into a hot dog.
Let me tell you a little story about 2 people seeking medical care. Two different health insurance companies. Two different procedures. Both were treated in an outpatient facility. Both had policies where a separate co-pay was required. This co-pay was about $1,000 and was in addition to the additional cost. One of the patients complained of the cost. Literally told the Out Patient Billing supervisor, “I don’t want to pay that.”
The Outpatient facility wrote it off.
The second patient complained about her co-pay in a very vocal and unpleasant way. She did not get any generous treatment.
Both issues were different procedures. However the time frame and location was the same. When both of these people told me their story, I had a moment of clarity. That is a non-transparent treatment of a medical issue. No where in their evidence of coverage, was there a footnote referring to a forgiveness of a charge if you asked.
By the way, I personally told both to expect the co-pay and was stunned when it was written off.